Orrstown Financial Services, Inc.
General ticker "ORRF" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $650.0M (TTM average)
Orrstown Financial Services, Inc. follows the US Stock Market performance with the rate: 49.8%.
Estimated limits based on current volatility of 1.5%: low 42.23$, high 43.49$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-05-05, amount 0.30$ (Y2.81%)
- Total employees count: 425 (+1.4%) as of 2023
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Real estate concentration, Cybersecurity threats, Market competition, Liquidity and credit risks
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [30.37$, 40.58$]
- 2026-12-31 to 2027-12-31 estimated range: [30.37$, 41.08$]
Financial Metrics affecting the ORRF estimates:
- Positive: with PPE of 8.4 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 39.84 > 18.65
- Positive: 6.73 < Operating cash flow per share per price, % of 12.52
- Negative: Shareholder equity ratio, % of 10.67 <= 19.10
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: Investing cash flow per share per price, % of -30.48 <= -14.26
- Positive: -3.09 < Return on assets ratio (scaled to [-100,100]) of 1.44
- Positive: Industry earnings per price (median), % of 7.27 > 4.29
- Positive: Industry operating cash flow per share per price (median), % of 10.78 > 10.39
Short-term ORRF quotes
Long-term ORRF plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $136.12MM | $192.69MM | $258.62MM |
| Operating Expenses | $90.66MM | $164.88MM | $155.57MM |
| Operating Income | $45.46MM | $27.81MM | $103.04MM |
| Non-Operating Income | $-0.43MM | $0.00MM | $-0.41MM |
| Interest Expense | $44.99MM | $93.68MM | $97.63MM |
| Income(Loss) | $45.03MM | $27.81MM | $102.64MM |
| Taxes | $9.37MM | $5.76MM | $21.78MM |
| Net Income(Loss)* | $35.66MM | $22.05MM | $80.86MM |
| Stockholders Equity | $265.06MM | $516.68MM | $591.53MM |
| Assets | $3,064.24MM | $5,441.59MM | $5,542.26MM |
| Operating Cash Flow | $43.70MM | $34.96MM | $74.73MM |
| Capital expenditure | $2.29MM | $1.58MM | $4.24MM |
| Investing Cash Flow | $-153.25MM | $60.99MM | $-181.96MM |
| Financing Cash Flow | $113.89MM | $87.76MM | $8.13MM |
| Earnings Per Share** | $3.45 | $1.49 | $4.86 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.